Thanks Janke,

I think I will start another thread on this tomorrow since it is a little late and I don't want to disrupt this thread.

Yes, CSRS Offset is definitely the better deal. But it does get convoluted doesn't it? Anyway, there is more to my story. Suffice to say I am not 49 (older than that lol...just an older username). Also, I took the "Early Out" (VERA/VSIP) in 2005. So, I will leave at this for now and start a different thread tomorrow. Thanks!